Prequalify Credit

Effective Date: April 20, 2022

The services provided by FUSE Autotech, Inc. may allow you to request pre-qualification and/or submit an application for credit and/or financing associated with the purchase or lease of a vehicle (the “Application Services”). In order to utilize the Application Services, you must review and agree to the additional terms and conditions, disclosures and consents below. These Additional Terms and Conditions for Credit Applications (“Application Terms”) are in addition to, made part of, and incorporated by reference into the FUSE Autotech Site Terms of Use https://fuseautotech.com/terms-conditions .

As used in these Application Terms:

• “We,” “us,” “our,” and “FUSE” refer to FUSE Autotech, Inc. and our affiliates and subsidiaries or our agents, assignees or service providers.
• “You” and “your” refer to the natural person(s) utilizing the Application Services and submitting an Application for credit or request for Pre-qualification, including without limitation any co-applicant(s) or co-signer(s). Wherever “you” is more than one person, any consent, authorization, representation, warranty or certification provided shall be deemed to be joint and several.
• “Pre-qualify,” “Pre-qualified,” and “Pre-qualification” refer to the process by which a preliminary determination is made of whether you potentially qualify for credit and/or financing offers available from Lenders based upon initial information you provide and the threshold criteria provided to FUSE by Lenders and/or Dealers.
• “Application” refers to any application for credit and/or financing associated with the purchase or lease of a vehicle.
• “Dealer” refers to the vehicle dealership(s) associated with the vehicle associated with your Application or request for Pre-qualification.
• “Lender” refers to any bank, finance company, or other financial institution to which we or the Dealer submit your Application or request for Pre-qualification.

Summary

By clicking “Submit Application,” you agree to the following (as more fully described below):

• You consent to these Application Terms and disclosures, including any applicable state-specific disclosures.
• You represent that all information you provide in connection with the Application or request for Pre-Qualification is complete, true and correct to the best of your knowledge.
• You authorize us to share your information with any Dealer and/or Lender.
• You authorize us (and any Dealer and/or Lender) to obtain your credit report and other background information about you.
• You acknowledge that FUSE is not a Lender or a Dealer and does not make credit decisions, and your financing is not complete until you complete the process with a Dealer and/or Lender.
• You authorize us to monitor and record our communications with you and send you prerecorded or artificial messages and/or automated text messages.

This is only a summary of these Application Terms. Please carefully review all of the terms, conditions and disclosures contained in this document.

Representations and Warranties

You represent and warrant to us the following:

1. All of the information you provide and all statements you make in any Application or request for Pre-qualification is complete, true and correct to the best of your knowledge.
2. You are 18 years of age or older.
3. You are not restricted from conducting business or financial transactions in the United States pursuant to any applicable anti-money laundering laws or regulations, or any sanctions or other regulations promulgated by the United States Department of the Treasury Office of Foreign Assets Control.

Disclosure of Information

You acknowledge and authorize that as part of the Application Services, we may share any and all information you provide to us with the Dealer. You further authorize the us and the Dealer to share such information with any Lender. You acknowledge receipt of and agree to be bound by the terms of our Privacy Policy (available at https://fuseautotech.com/privacy-policy).

Credit History and Consumer Reports

By submitting an Application or a request for Pre-qualification, you authorize us, the Dealer and/or any Lender to obtain credit or other consumer reports concerning you, your credit, income, residence and employment history, and to verify with others the information you provide (i) in connection with your Application or request for Pre-qualification, and (ii) if credit is granted, in connection with reviewing the account, increasing the available credit on the account (if applicable), taking collection on the account, renewals or extensions of such credit, or any other legitimate purpose. We may report our credit and other experience with you to consumer reporting agencies and others who we determine have a legitimate need for the information. If you believe we have furnished inaccurate or incomplete information about you or your account to a credit reporting agency, please write to us at:

FUSE Autotech, Inc.

7700 France Ave S Suite 410N

Bloomington, MN 55435

Please include your name, address, home phone number, and account number, and explain what you believe is inaccurate or incomplete.

Credit Decisions and Pre-qualified Offers

You acknowledge that FUSE is not a Dealer or a Lender and does not extend credit or make credit decisions. FUSE is not responsible for the terms of any loan and/or financing offer presented in the Application Services, and FUSE does not guarantee that any such offer is accurate or available or will be extended to you by any Dealer or Lender.

Loan and/or financing offers (including Pre-qualifications) may be subject to restrictions set by the Lender and/or Dealer which FUSE does not control, such as minimum income and credit score requirements, minimum amount financed requirements, state residency restrictions, vehicle characteristics, and other similar requirements. Any Pre-qualified loan and/or financing terms, including the monthly payment and Annual Percentage Rate (APR), are not final until your Application is approved and the financing and purchase/lease are completed with your chosen Lender and Dealer (including the signing of your final vehicle purchase/lease and financing agreement(s)). Even if you are Pre-qualified for a loan and/or financing offer, there is no guarantee that you will be approved by any Lender or Dealer to receive financing, and there is no guarantee that the Dealer and/or Lender will provide you with all terms outlined in any Pre-qualified offer. Pre-qualified offers may be subject to expiration or your submission of additional information. If your Application is approved by a Dealer and/or Lender, your credit and/or financing transaction will be governed by the terms of the applicable agreement(s) between you and the Dealer and/or Lender, which FUSE does not provide and must be obtained from your Dealer and/or Lender.

FUSE MAKES NO GUARANTEES, REPRESENTATIONS, OR WARRANTIES, WHETHER EXPRESS OR IMPLIED, WITH RESPECT TO THE APPLICATION SERVICES AND EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY WITH RESPECT TO (I) THE APPROVAL OR DISAPPROVAL OF ANY APPLICATION, (II) ANY RESULTING CREDIT AND/OR FINANCING TRANSACTION, (III) THE AVAILABILITY OF ANY VEHICLE, OR (IV) ANY INFORMATION OR FINANCING OFFER (INCLUDING A PRE-QUALIFIED OFFER) PROVIDED BY ANY DEALER OR LENDER. UNDER NO CIRCUMSTANCES SHALL FUSE BE LIABLE FOR ANY ACTION OR INACTION BY ANY DEALER OR LENDER, INCLUDING, WITHOUT LIMITATION, ANY CREDIT DECISION MADE OR ADVERSE ACTION TAKEN BY ANY DEALER OR LENDER.

 Anti-Money Laundering Compliance

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. This means that we will as for your name, address, date of birth and other information that will allow us to identify you, and you are hereby granting us authorization to share any information with law enforcement about you or your Application.

Refusal of Service

We reserve the right to not provide (or cease providing at any time) the Application Services for any reason in our sole discretion, including without limitation if we believe that (a) any information you have provided in connection with your Application or Pre-qualification is fraudulent, the result of identity theft, or otherwise inaccurate, (b) you are in violation of these Application Terms or any other agreement, terms or conditions in effect between you and FUSE (including the FUSE Autotech Site Terms of Use https://fuseautotech.com/terms-conditions ), or (c) to do so would expose you, us or any other third party to actual or potential risk or harm, including, but not limited to, fraud and other criminal acts.

Our Communications with You; Monitoring and Recording

In order to utilize the Application Services, you must agree to use electronic signatures and electronically receive disclosures and notices related to the Application Services by acknowledging and agreeing to our E-SIGN Disclosure and Consent Agreement https://fuseautotech.com/esign-disclosure, which is incorporated into these Application Terms by reference.

By providing your email address to us, you agree that we and any Dealer and/or Lender may send communications to you at such email address, including communications regarding the status of your Application and/or request for Pre-Qualification.

 You consent to and authorize us, any of our affiliates, any of the Lenders and Dealers to whom your Application is submitted, or our marketing associates and service providers to monitor and/or record any of your telephone conversations and other electronic communications with our representatives or the representatives of any of those companies for reasonable business purposes, including security and quality assurance. We may not remind you that we may be monitoring or recording a call at the outset of the call unless required to do so by law.

Where you have provided a cell phone number directly to us, you consent and agree to accept servicing calls and text messages to your cell phone from us, any of the Lenders and Dealers to whom your Application is submitted, and the service providers we engage to manage your Account. For example, we or our service providers may place calls to you about fraud alerts or the status of your Application. For any telephone or cell phone calls/communications we or our service providers place to you, you consent and agree that those calls may be automatically dialed, including artificial or prerecorded messages or texts. You may revoke this consent at any time by contacting FUSE at support@fuseautotech.com.

State-Specific Disclosures

California Residents: An applicant, if married, may apply for a separate account.

Maine Residents: You must have physical damage insurance covering loss or damage to the vehicle for the term of any contract. For a lease, you must also have the liability insurance as described in the lease. You may buy this insurance from anyone you choose. You do not have to buy it from or through someone affiliated with us, the Dealer, Lender or an assignee of this contract. Your choice of insurance will not affect the credit approval process unless the insurance does not satisfy the contract requirements or the insurance company does not satisfy the reasonable standards of the Dealer, Lender or an assignee of the contract.

New Hampshire Residents: If you are applying for a balloon payment contract, you are entitled, if you ask, to receive a written estimate of the monthly payment amount for refinancing the balloon payment in accord with the creditor's existing refinance programs. You would be entitled to receive the estimate before you enter into a balloon payment contract. A balloon contract is an installment sale contract with a final scheduled payment that is at least twice the amount of one of the earlier scheduled equal periodic installment payments.

New York Residents: Consumer reports may be requested in connection with this Application. If credit is extended, the party or parties extending credit or holding such credit may order additional consumer reports in connection with any update, renewal or extension of the credit. Upon your request, you will be informed if such report was ordered, and if so, you will be given the name and address of the consumer reporting agency furnishing the report.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Rhode Island Residents: Credit reports may be obtained in connection with your Application. You must have physical damage insurance covering loss or damage to the vehicle for the term of any contract. For a lease, you must also have the liability insurance as described in the lease. You may buy this insurance from anyone you choose. You do not have to buy it from or through someone affiliated with us, the Dealer, Lender or an assignee of this contract. Your choice of insurance will not affect the credit approval process unless the insurance does not satisfy the contract requirements or the insurance company does not satisfy the reasonable standards of the Dealer, Lender or an assignee of the contract. A credit report may be requested in connection with this Application.

Tennessee Residents: You must have physical damage insurance covering loss or damage to the vehicle for the term of any contract. For a lease, you must also have the liability insurance as described in the lease. You may buy this insurance from anyone you choose. You do not have to buy it from or through someone affiliated with us, the Dealer, Lender or an assignee of this contract. Your choice of insurance will not affect the credit approval process unless the insurance does not satisfy the contract requirements or the insurance company does not satisfy the reasonable standards of the Dealer, Lender or an assignee of the contract.

Vermont Residents: You authorize us and any Lender and/or Dealer with which this credit Application is shared, and each of their respective employees or agents, to obtain and verify information about you (including one or more credit reports, information about your employment and banking and credit relationships) that they may deem necessary or appropriate in evaluating your credit Application. If your credit Application is approved and credit is granted, you also authorize the parties granting credit or holding your account, and their respective employees and agents, to obtain additional credit reports and other information about you in connection with reviewing the account, increasing the available credit on the account (if applicable), taking collection on the account, or for any other legitimate purpose.

Wisconsin Residents: No provision of a marital property agreement, unilateral statement or court order applying to marital property will adversely affect a creditor’s interests unless, prior to the time credit is granted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual knowledge of the provision. If you are a married applicant, you understand that Wisconsin law requires that your spouse be given notice of this credit obligation, and that we may be required to give such notice to your spouse.